The Current Situation Analysis And Development Advice For The Commercial Health Insurance Of Our Country

Recently, people need more medical insurance as the quality of their lives are changed. Our country made a series of reformation to satisfy us. Two laws were announced in 2009 to make definite of the guiding ideology, based principles and the purpose for the national medical insurance. Then, another law consolidate the position of the commercial medical insurance and demands to develop commercial medical insurance to meet the diversification of needs.Commercial medical insurance is the main supplier for the different demands, which is the complimentary for the national medical insurance. Now the development of the commercial medical insurance is far behind of the level of the economy. The reason is not only the circumstances of the outside, but also the problems of itself. The main outside problems is that the competition between the companies is disordered because they could not get enough political support. Moral risk, over cost and lack of professionals are the problems on its own. All the problems block the way of development of commercial medical insurance. In order to keep the development of the commercial medical insurance healthily, we have to make rectification for the medical insurance system and avoid the influence from outside. Learning the advanced experiences from the developed countries and combining them with our true instances is the best way to develop the commercial medical insurance for our country.This paper is based on the status in China which points out the problems exist. At the same time it expiates the commercial medical insurance systems in some other countries and summarizes that we must set up HMO to save the medical resources. Commercial medical insurance companies should establish the health files, bring in more professionals and share the cost with hospitals to avoid moral risks. The innovation of this paper is bring in the no-claim discount model from the motor insurance market which could establish a fluctuating charging system so that companies could make more profit. And we also call our government to make strict regulatory to supply a better environment for the commercial medical insurance.